Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$275,876Cash toward the purchase price.
Closing costs + prepaids$13,483Not just lender fees.
Before credits & paid funds$289,359The complete starting cash picture.
Estimated remaining funds due at closing
$289,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,876.20
Your down payment$275,876.20
Closing costs + prepaids$13,482.88
Total buyer cash needed$289,359.09
Remaining funds due$289,359.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$226.50
Prepaid interest, first (1 days)$31.38
Fees + prepaids$13,482.88
Your down payment is the seller’s equity. You take over the $399,124 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $289,359.09 is due at closing. Uses and sources reconcile at $688,482.88 each. Not a Closing Disclosure.